Gateway Bank: Savings Accounts, CDs, Money Market & Rates

By Aviel Fahl

Updated: 8/16/2026

Mission: Banksparency aims to make Gateway Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Gateway Bank

Our verdict

CD Analysis

Gateway Bank offers CDs paying up to 3.80% APY on its 8 months term, across 12 term lengths.

Tracking 12 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.80% APY for a 8 months term and laddering across multiple maturities.

Gateway Bank also offers Treasury Savings, a high-yield savings account paying 2.58% APY with a $10,000 minimum deposit.

At 2.58% APY, Gateway Bank pays 7x the national savings average of 0.38%.

Additional Accounts

Money Market Savings, a money market account at 0.25% APY.
Statement Savings, a savings account at 0.05% APY.
Health Savings Checking, a health savings account (HSA) at 0.30% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

Health Savings Checking is a health savings account (HSA). Requires an eligible high-deductible health plan and is intended for qualified medical expenses.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Treasury Savings

Savings

2.58% APY

Tiered Range: 0.05% - 2.58%

Min: $10,000 Branch Access

Rank #127 of 337 tracked.

Health Savings Checking

Savings

0.30% APY

Tiered Range: 0.10% - 0.30%

Min: $100 Branch Access

Rank #196 of 337 tracked.

Statement Savings

Savings

0.05% APY

Min: $100 Branch Access

Rank #300 of 337 tracked.

Money Market Savings

Money Market

0.25% APY

Tiered Range: 0.05% - 0.25%

Min: $1,000 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationMendota Heights, MN
Deposit InsuranceFDIC Insured(Cert: 57644)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

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FDIC Insured

Quontic High Yield Savings

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No monthly service fees
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FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by Gateway Bank

Feature	Treasury Savings	Health Savings Checking	Statement Savings
APY	2.58%Range: 0.05% - 2.58%Verified: 8/16/2026	0.30%Range: 0.10% - 0.30%Verified: 8/16/2026	0.05%Verified: 8/16/2026
APY Trend	N/A	N/A	N/A
Min. Deposit	$10,000	$100	$100
Min. Balance	$0	$0	$0
Monthly Fee	N/A	N/A	N/A
Direct Deposit	None	None	None
Checking Bundle	No	No	No
In-Branch Access	Yes	Yes	Yes
Compounding	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes
Eligibility	United States	United States	United States
Next Steps	-	-	-

Interactive Tool

Calculate Savings for Gateway Bank

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$2,215.70(8.8%)
Total Contributions
$13,000
Initial Deposit
$10,000

Projected Balance

$25,215.70

Effective APY

2.58%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Gateway Bank Deposit Rates Over Time

No historical data available.

Compare with Gateway Bank

Feature	Current View Gateway Bank	Empty Slot
Product		-
APY	0.05% - 2.58%Verified: 8/16/2026	-
APY Trend	N/A	-
Min. Deposit	$10,000	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

3.80% Highest APY

Across 12 CD products with terms: 18 months, 13 months, 12 months, 9 months, 8 months, 6 months, 3 months, 60 months, 48 months, 36 months, 24 months, 15 months

CD Products Offered by Gateway Bank

Feature	3 Month CD 3 months	6 Month CD 6 months	8 Month CD 8 months	9 Month CD 9 months	12 Month CD 12 months	13 Month CD 13 months	15 Month CD 15 months	18 Month CD 18 months	24 Month CD 24 months	36 Month CD 36 months	48 Month CD 48 months	60 Month CD 60 months
APY	3.00%Verified: 8/16/2026	3.60%Verified: 8/16/2026	3.80%Verified: 8/16/2026	3.65%Verified: 8/16/2026	3.70%Verified: 8/16/2026	3.75%Verified: 8/16/2026	3.09%Verified: 8/16/2026	2.10%Verified: 8/16/2026	2.25%Verified: 8/16/2026	2.30%Verified: 8/16/2026	2.35%Verified: 8/16/2026	2.40%Verified: 8/16/2026
Term	3 months	6 months	8 months	9 months	12 months	13 months	15 months	18 months	24 months	36 months	48 months	60 months
Min. Deposit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

Gateway Bank CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by Gateway Bank

Feature	Money Market Savings
APY	0.25%Range: 0.05% - 0.25%Verified: 8/16/2026
Min. Deposit	$1,000
Min. Balance	$0
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States

Alternatives to Gateway Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

Dundee Bank

Savings Account: 0.50% APY

Minimum Deposit: $100

Health Savings Account: 1.50% APY

Minimum Deposit: $0

IRA Savings Account: 1.50% APY

Minimum Deposit: $0

Platinum Money Market Account: 3.50% APY

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Apple Blossom Savings: 0.50% APY

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Farmers State Bank

Money Market Account: 2.60% APY

Minimum Deposit: $1,000

Health Savings Account: 3.00% APY

Minimum Deposit: $100

Youth Savings: 0.40% APY

Minimum Deposit: $5

Ultimate Savings Account: 3.00% APY

Minimum Deposit: $10,000

FSBee Club Savings: 0.40% APY

Minimum Deposit: $5

Regular Savings Account: 0.40% APY

Minimum Deposit: $50

PlainsCapital Bank

Personal Money Market: 3.07% APY

Minimum Deposit: $2,500

Momentum Max Savings Account: 2.00% APY

Minimum Deposit: N/A

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Minimum Deposit: $100

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Minimum Deposit: $100

Ergo Bank

Business Savings: 0.05% APY

Minimum Deposit: $100

Variable Rate IRA: 3.53% APY

Minimum Deposit: $100

Go Money Market: 2.22% APY

Minimum Deposit: $1,000

Business Money Market: 2.22% APY

Minimum Deposit: $1,000

Health Savings Account: 0.30% APY

Minimum Deposit: $100

Go Savings: 0.05% APY

Minimum Deposit: $100

West Central Bank

Platinum Money Market 1,4 Tier 3: 0.75% APY

Minimum Deposit: $50,000

Platinum Money Market 1,4 Tier 1: 0.45% APY

Minimum Deposit: $10,000

Money Market 1,4: 0.35% APY

Minimum Deposit: $2,500

IRA 48 Month Fixed 1,4: 2.47% APY

Minimum Deposit: $25

IRA 24 Month Fixed 1,4: 2.32% APY

Minimum Deposit: $25

IRA Variable Rate 1,5: 2.02% APY

Minimum Deposit: $25

Christmas Club / Vacation Club 1,4: 0.30% APY

Minimum Deposit: $0

Savings Account 1,4: 0.30% APY

Minimum Deposit: $100

Platinum Money Market 1,4 Tier 2: 0.50% APY

Minimum Deposit: $25,000

First Bank

Icon High-Yield Savings: 2.75% APY

Minimum Deposit: $100

Thrive Credit Savings: 0.01% APY

Minimum Deposit: $100

Health Savings Account: 0.03% APY

Minimum Deposit: $100

Kids Cash Savings: 4.00% APY

Minimum Deposit: $5

Performance Money Market: 0.02% APY

Minimum Deposit: $100

Statement Savings: 0.01% APY

Minimum Deposit: $100

Farm Bureau Bank FSB

Plus Money Market: 2.50% APY

Minimum Deposit: $25,000

Business Money Market: 2.50% APY

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TAB Bank

Business Money Market: 3.25% APY

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TAB Save: 3.61% APY

Minimum Deposit: $0

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Business Savings: 0.25% APY

Minimum Deposit: $25

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